“Total Legal Protection” is designed to take the weight off your shoulders because we effectively become your own in-house legal and compliance department – so you will get unlimited calls and referrals into us together with an insurance policy to protect you against claims - and this lets you sleep well knowing that your business is covered for unexpected legal costs and compensation awards.

The product is a full range advice and indemnity product, it is not restricted to employment - it embraces compliance and regulation, contract disputes, debt recovery, directors and officers liabilities, property protection and many other extras such as tax advice and employee counseling services.

The product has two components: the first provides legal advice and guidance to you on a retainer agreement. The second element is an insurance indemnity for legal costs incurred in defending and also, uniquely - for asserting the legal rights of a business. The product does not just help your business defend itself, the insurance policy will provide funding to help you assert your rights as well - for example to pursue a bad debt or to sue a contractor.

In essence the product will cover the following areas:

A.            Property Protection

The policy will fund the pursuit of claims for nuisance, trespass or physical damage to your property – provided that we are satisfied that there are reasonable prospects of success, of course.

B.            Contract disputes and litigation support

We will defend claims against you or to help you exercise your rights against others. You will understand there is more than enough stress without having to worry about the cost and the risk of losing.

We will provide a free assessment of the case and if we think you have a good case the insurers will provide litigation funding all the way to the High Court, if necessary. And because you will be funded to take action and will be insured against losing, the insurance will protect the company balance sheet from the uncertainty of big reserves for costs if you win or lose.

C.            Tax protection

Tax investigations, too, can be lengthy and costly. We aim to help minimise the cost and the disruption by appointing the appropriate experts to handle formal HMRC enquiries, including enquiries into the personal tax of directors. This service is actually provided by the insurers directly.

D.            Debt recovery

When a customer fails to meet contractual commitments the likely cash flow consequences will be compounded by the legal costs involved in recovering the debt.

We therefore provide not only the legal advice you’ll need but also litigation support - once we have established there are good prospects of success. Once again there will be no costs to yourselves as the work we do is covered on a “no win no fee basis” and the insurer will provide insurance cover against the risk of losing.

E.            Employee defence

If a claim is intimated against you we will represent you in a Tribunal.

The insurance will protect both the business entity and the directors and managers personally.